Cancel Revolut: Your Complete Step-by-Step Guide

How to cancel your Revolut account in canada: your complete step-by-step guide

Why canadians are reconsidering Revolut and what you should know first

Revolut is a fintech platform that lets you manage multi-currency accounts, exchange money, and pay with virtual cards through a mobile app. The company offers tiered subscription plans (Standard, Plus, Premium, Metal) with varying features and positions itself as a modern alternative to traditional banking. However, Revolut suspended new registrations for Canadian users in 2021, meaning Canadian customers operate under different terms than users in the UK and EU. If you hold an existing Revolut account from before that suspension, you may still access the service. If you're now reconsidering whether Revolut fits your needs, Tocancel is here to guide you through a clean, hassle-free cancellation.

Many Canadians discover that Revolut's limited local support, regional pricing uncertainty, and lack of participation in Canada's deposit insurance framework (CDIC coverage) make it less compelling than domestic alternatives. Others simply outgrow the service, face unexpected renewal charges, or prefer a more straightforward banking experience. Whatever your reason, understanding your cancellation options and your consumer rights ensures you exit without leaving money on the table or accidentally renewing a subscription.

What you might be cancelling with Revolut

You may be cancelling a subscription tier (Plus, Premium, or Metal), a mobile plan (if available in your region), or closing your entire Revolut account entirely. Each scenario follows a slightly different path. At Tocancel, we help thousands of consumers navigate these choices every month, and the most common triggers for cancellation are unused premium features, unexpected renewal charges, frustration with customer support responsiveness, or a switch to a bank with stronger local presence and Canadian deposit insurance. Your first step is identifying exactly what you want to close: the subscription, the account, or both.

Why cancelling Revolut can feel complicated

Revolut's cancellation process is fragmented across in-app menus, live chat, and email support, and the company does not always make it obvious where to go. If you hold a subscription set to auto-renew, Revolut will charge you unless you actively cancel before the renewal date. Additionally, because Revolut operates from the EU and suspended Canadian registrations, you may encounter conflicting information about cooling-off periods, refund eligibility, and account closure timelines. Tocancel has documented cases where users believed they cancelled only to be charged again at the next billing cycle. This guide cuts through that confusion.

Your consumer protection rights as a canadian

Canadian consumer law provides you with specific protections when cancelling digital services and financial products.

The 14-day cooling-off period and withdrawal right

If you opened a Revolut account or purchased a subscription within the last 14 days and you're still within that window, you have a statutory withdrawal right in most Canadian provinces under consumer protection legislation (such as Ontario's Consumer Protection Act or equivalent provincial laws). This right allows you to cancel and potentially receive a full refund without penalty, provided you have not materially used the service. Your legal position: you can walk away from the contract within 14 days simply by notifying Revolut in writing, regardless of the company's terms.

Count the 14 days from the date you received your first confirmation email or the date the service became active, whichever is earlier. If you're near the deadline, act immediately. Document your withdrawal request by email to Revolut's support team, and keep a copy for your records. This gives you a paper trail if Revolut claims it never received your cancellation request.

Unfair contract terms and the consumer protection act

Canada's provincial consumer protection frameworks (Ontario CPA, BC CPA, Alberta Fair Trading Act, and others) prohibit suppliers from including unfair or misleading cancellation terms. If Revolut's terms hide the cancellation process, impose unreasonable penalties, or claim non-refundability for services you did not receive, those terms may be unenforceable. Document any confusing language in Revolut's terms and conditions; if Revolut refuses to cancel or refund, Tocancel recommends escalating to your provincial consumer protection authority.

Your legal position: you cannot be trapped by an unfair contract. If Revolut makes cancellation deliberately difficult or charges you after you've requested cancellation, report the behaviour to your provincial regulator (Ontario: Consumer Protection Act enforcement through the Ministry of Public and Business Services; British Columbia: BC Consumer Protection Act, enforced by the Office of the Superintendent of Motor Vehicles and Consumer Services; Alberta: Fair Trading Act, enforced through Service Alberta).

Refund rights for unused services

If you cancel a paid subscription and you have not used the premium features, you have grounds to request a pro-rata refund for the unused portion of the billing period. Canadian consumer law does not allow companies to keep payment for services you did not receive. When you submit your cancellation request, explicitly ask for a refund of unused subscription fees. Tocancel advises including the specific date you cancelled and the date your next renewal was scheduled, so the calculation is clear.

How to cancel your Revolut subscription or account

Follow these step-by-step instructions to cancel your Revolut subscription tier or close your account entirely.

Method 1: cancel via the Revolut mobile app

This is the fastest method if you still have access to your account and your phone.

1. Open the Revolut app on your phone and log in with your credentials.
2. Navigate to the "Account" or "Settings" menu (usually a gear icon or your profile icon at the bottom right).
3. Look for "Subscription", "Plan", or "Membership" settings.
   • If you want to cancel only your paid subscription tier (Plus, Premium, Metal), tap "Downgrade" or "Cancel subscription" and confirm.
   • If you want to close your entire account, look for "Close account" or "Account settings" and follow the on-screen prompts.
4. Review the confirmation message, which should show your cancellation date and any refund status.
5. Take a screenshot of the confirmation screen as proof of cancellation.
6. Check your email for a confirmation message from Revolut within 24 to 48 hours.

Your action: save the screenshot and confirmation email in a folder labeled "Revolut Cancellation" for your records. This protects you if Revolut incorrectly charges you after cancellation.

Method 2: cancel via in-app live chat support

If the app menu does not show a clear cancellation option, use Revolut's built-in live chat.

1. Open the Revolut app and go to "Account" or "Help".
2. Tap "Contact us" or the chat icon to open live support.
3. Type a clear message: "I want to cancel my subscription tier immediately" or "I want to close my account entirely." Include your full name and account email address.
4. Explain that you want the cancellation to take effect before your next renewal date (if applicable).
5. Ask the support agent to send you a written confirmation of the cancellation via email.
6. Screenshot the entire chat conversation before closing the conversation.

Your action: copy and paste the chat transcript into a Word document or email it to yourself as a backup. In-app chat history sometimes disappears if you log out or switch devices.

Method 3: cancel via email

If you cannot access the app or prefer a formal written record, cancel by email.

1. Compose a new email to Revolut's customer support address (you can find this in the app under "Help" or "Contact us").
2. Use a clear subject line: "Cancellation request: [Your email address]".
3. Include the following details in the email body:
   • Your full name as it appears on your Revolut account
   • Your account email address
   • Your phone number (if your account is linked to one)
   • The date you want the cancellation to take effect (ideally before your next renewal date)
   • A clear statement: "I request immediate cancellation of my Revolut subscription tier [name the tier: Plus, Premium, Metal] effective immediately" or "I request closure of my entire Revolut account effective immediately"
   • Your request for a pro-rata refund of any unused subscription fees
4. Send the email and request a read receipt so you have proof Revolut received it.
5. Wait 3 to 5 business days for a response; if Revolut does not reply, follow up with another email marked "Follow-up: Cancellation request dated [original date]".

Your action: send the email from the account email address linked to your Revolut account, and keep the email in your inbox as evidence. This creates an auditable trail if you need to escalate the cancellation to your provincial consumer protection authority later.

What to expect after you request cancellation

Understanding the timeline and what happens next reduces stress and helps you spot problems early.

The cancellation timeline

After you submit a cancellation request, Revolut typically processes it within 1 to 3 business days. Subscription cancellations usually take effect at the end of your current billing cycle (so if your renewal date is 15 days away, your paid subscription remains active until then, but you will not be charged on the renewal date). Full account closures may take up to 5 to 10 business days, depending on whether you have pending transactions or outstanding balances.

If you are cancelling within the 14-day cooling-off period, Revolut should process your withdrawal immediately or within a few business days. Monitor your bank account or payment method for any refund. Tocancel recommends checking your statement 7 to 10 days after cancellation to confirm no charges appeared.

What happens to your money and data

When you close your Revolut account, any remaining balance in your account must be returned to you. Revolut will typically initiate a bank transfer to the payment method or bank account you used to fund your Revolut balance. This transfer can take 3 to 5 business days depending on your bank. Do not delete the app until you confirm the refund has landed in your bank account.

Your personal data (name, email, phone number, transaction history) is deleted from Revolut's active systems within 30 days of account closure, in line with Canadian privacy law and the Personal Information Protection and Electronic Documents Act (PIPEDA). You can request a copy of your data before deletion if you need it for tax or record-keeping purposes.

Verify the cancellation is complete

Log into your Revolut account one week after submitting your cancellation request. If the account no longer exists or shows as "closed", the cancellation was successful. If the account is still active, immediately contact Revolut's support team again and reference your earlier cancellation request with the date and method (app, chat, email). Tocancel advises taking another screenshot to document the incomplete cancellation, as this strengthens your case if you need to file a complaint.

Revolut pricing and subscription tiers in canada

Before you cancel, confirm what you are paying for and whether you qualify for a refund.

If you are on Plus, Premium, or Metal, your subscription renews automatically every 30 days unless you cancel before the renewal date. If you cancel partway through a billing cycle, you are entitled to a pro-rata refund of the unused portion. For example, if you are on Premium at $17.99 per month and you cancel 15 days into a 30-day cycle, you should receive approximately $9.00 back to your original payment method.

Common mistakes when cancelling Revolut and how to avoid them

Many people believe they have cancelled Revolut only to be charged again at the next billing cycle. Here is what goes wrong and how to protect yourself.

Mistake 1: assuming you are cancelled after downgrading to standard

The Standard tier is free, so if you downgrade from Premium to Standard, you will no longer be charged the monthly subscription fee. However, your account remains open. If you want to close the account entirely, you must take a separate cancellation step. Downgrading is not the same as cancelling. Tocancel advises explicitly confirming whether you want to downgrade (keep the account but remove fees) or close the account (delete it completely). If you want both your subscription tier removed and your account closed, say so clearly in your cancellation request.

Mistake 2: not confirming the exact cancellation date

Revolut's confirmation emails sometimes say "Your subscription will be cancelled at the end of your billing cycle" rather than giving you an exact date. If you do not know the exact date, you cannot confirm whether the cancellation actually happened. Always ask Revolut to confirm the specific date the cancellation takes effect (for example, "15 November 2024 at 11:59 p.m."). If the confirmation email is vague, send a follow-up email requesting a clearer deadline.

Mistake 3: deleting the app without confirming the cancellation

Deleting the Revolut app does not cancel your account or subscription. The app is just a front-end tool; the account and its settings remain active on Revolut's servers. Even if you cannot see your account on your phone, Revolut can still charge you at renewal time. Wait until you receive a confirmation email from Revolut and verify through the website or app that the cancellation is complete before you delete the app.

Mistake 4: not requesting a refund for unused subscription time

Many Canadians cancel their Revolut subscription mid-cycle but forget to ask for a refund of the unused portion. Revolut does not automatically refund you; you must explicitly request it. Include "Please refund the pro-rata amount for unused subscription time" in your cancellation email or chat request. If Revolut refuses, this refusal may violate Canadian consumer law, and you can escalate to your provincial consumer protection authority.

Mistake 5: not keeping records of your cancellation request

If you cancel via in-app chat and do not save the transcript, you have no proof later if Revolut charges you again or claims it never received your request. Screenshot every step. Save confirmation emails. If Revolut support tells you something verbally, ask them to send you a written confirmation. These records are your legal shield if a dispute arises, and Tocancel strongly recommends treating them as official documents.

Refund timelines and how to track your money

After you cancel, you may be entitled to a refund. Here is how to confirm you get it and when.

Pro-rata subscription refunds

If you cancel mid-billing-cycle, Revolut owes you the unused portion of your subscription fee. For example, if you paid $17.99 for Premium on 1 November and you cancel on 16 November, you used 15 days of a 30-day cycle. You are entitled to refund of approximately $9.00 (half the monthly fee). Ask Revolut to calculate this refund explicitly in your cancellation request.

Revolut typically returns subscription refunds to your original payment method (debit card, credit card, or bank account) within 5 to 10 business days. Check your bank or card statement 10 days after cancellation. If the refund does not appear, contact Revolut immediately and reference your cancellation request date and confirmation email. Tocancel advises comparing the cancellation confirmation email with your bank statement to confirm the refund amount matches.

Account balance refunds

If you have money sitting in your Revolut account (for example, currency you exchanged but did not spend), that balance must be returned to you when you close your account. Revolut will send this to the bank account or payment method you used to fund the account. This refund can take 3 to 5 business days depending on the banking system. Do not close or delete the payment method you used to fund Revolut until the refund lands, or Revolut may be unable to return your money.

What if you do not receive a refund?

If Revolut does not refund you within 10 to 15 business days of cancellation, send a formal written demand to Revolut's support email. State: "I cancelled my account on [date] and am entitled to a pro-rata refund of $X. Please process this refund within 5 business days and confirm receipt of this request by email." Include your cancellation confirmation email as an attachment.

If Revolut ignores this request, file a complaint with your provincial consumer protection authority. Your province's regulator can compel Revolut to return your money and may impose penalties for unfair business practices. Tocancel has helped consumers recover hundreds of dollars in unclaimed refunds through this process.

When to escalate and file a formal complaint

If Revolut ignores your cancellation request or refuses to refund you, you have recourse through Canada's consumer protection system.

Step 1: send a formal demand letter

Before escalating to a regulator, send Revolut a final demand letter via email (and, if possible, via registered mail). Include the following:

• Your full name and account email address
• The date you requested cancellation
• The confirmation email or chat screenshot showing your cancellation request
• The specific amount you are owed (subscription refund, account balance, or both)
• A clear deadline: "Please process this refund by [date 10 days from today]"
• A statement: "If you do not comply with this request, I will file a complaint with [your provincial consumer protection authority]"

Keep a copy of this letter for your records.

Step 2: file a complaint with your provincial regulator

If Revolut does not respond or refuses to refund you within 10 business days, file a formal complaint with your provincial consumer protection authority:

• Ontario: Ministry of Public and Business Services, Consumer Protection Act enforcement (contact the Ontario Consumer Protection Act office or file through the online complaint portal)
• British Columbia: Office of the Superintendent of Motor Vehicles and Consumer Services, BC Consumer Protection Act
• Alberta: Service Alberta, Fair Trading Act Inquiry Line
• Other provinces: Contact your provincial ministry of consumer affairs (varies by province but is typically called Consumer Protection, Fair Trading, or Consumer Services)

When you file your complaint, include: your cancellation request email(s), Revolut's confirmation email(s), your demand letter, and screenshots of your account history showing the subscription charge. The regulator will investigate and can compel Revolut to refund you and pay penalties if the company violated consumer law.

Step 3: escalate to your credit card company or bank

If you paid Revolut with a credit card or debit card, you can file a chargeback dispute with your bank or card issuer. Contact your bank and tell them you cancelled a subscription but Revolut charged you again after the cancellation date. Your bank can reverse the charge and investigate. This process typically takes 10 to 30 days. Provide your bank with your cancellation confirmation email as evidence.

Your legal position: if Revolut charged you after you cancelled, that charge is unauthorized, and your bank is required to investigate and refund you under the rules of the payment card networks (Visa, Mastercard, etc.).

Checklist: ensure your Revolut cancellation is complete

Use this checklist to confirm you have covered every step and protect yourself from future charges.

Should you keep or cancel your Revolut account? a quick comparison

If you are still on the fence, here is a side-by-side comparison to help you decide.

The key question: are the premium features worth the monthly cost to you, or would you be better served by switching to a Canadian bank that offers deposit insurance and stronger local support? If you cannot answer "yes" to at least two features in the "keep" column, it is time to cancel.

After you cancel: alternative banking options in canada

If you are closing Revolut because you want a more reliable, locally insured banking experience, consider these Canadian alternatives.

Traditional big banks

Banks like TD Canada Trust, RBC, Scotiabank, and BMO offer multi-currency accounts, debit cards, and online banking. Deposits are protected up to $100,000 per institution under the Canada Deposit Insurance Corporation (CDIC) framework. Customer service is available by phone and in-branch. Monthly fees typically range from $0 (unlimited daily banking packages with direct deposit) to $15 for premium accounts.

Online banks

Banks like EQ Bank, Tangerine, and Simplii offer fee-free chequing accounts and competitive interest rates on savings. Most have no monthly fees. Customer service is available via phone and online chat. Deposits are CDIC insured. These banks focus on savings and basic banking rather than multi-currency accounts or crypto.

Fintech alternatives to Revolut

If you like fintech platforms but want Canadian regulatory oversight, Wealthsimple Cash offers a free multi-currency account and card, though it does not offer crypto access. Shakepay offers crypto buying and selling with lower fees than Revolut and is registered with FINTRAC (Financial Transactions and Reports Analysis Centre of Canada).

Take time to compare features, fees, and regulatory protections before committing to a new provider. Tocancel recommends opening a new account before closing Revolut, so you have a seamless transition and do not end up without banking access.

Your next steps: cancel with confidence

Cancelling Revolut is straightforward when you know your rights and follow the correct steps. You have consumer protection laws on your side, a 14-day cooling-off period if you are a new user, and the right to a refund for unused services. Do not let hidden fees or poor customer support trap you; take action today.

If you are ready to cancel, open the Revolut app now and navigate to "Account" or "Settings" to find the cancellation option. If you prefer email, use the template provided in the "Method 3" section above. Take screenshots at every step, and keep all confirmation emails. If Revolut refuses to cancel or charges you after your request, escalate to your provincial consumer protection authority with your documented evidence.

Tocancel has helped thousands of Canadian consumers cancel unwanted subscriptions and recover refunds. Whether you are cancelling Revolut because you found a better alternative, because you are not using the premium features, or because you prefer the security of a CDIC-insured Canadian bank, Tocancel is here to guide you. Visit Tocancel.com to access cancellation templates, step-by-step walkthroughs, and escalation resources for dozens of services. Your financial peace of mind is just a few clicks away.

Revolut customer service contact information

Use these contact methods to submit your cancellation request.

Email support

Revolut support email (for Canadian accounts): [email protected] or the in-app support email address listed under "Help" or "Contact us". Include your account email address, full name, and a clear cancellation request in the subject line.

In-app live chat

Open the Revolut app, tap "Account" or "Help", then tap the chat icon to connect with a support agent. Live chat is typically available 24/7, though response times vary.

Mailing address (if you want to send a registered letter)

Revolut's EU office handles all account inquiries for Canadian users. You can send a formal registered letter to Revolut's support team via their EU address listed in the app under "Help" or "About". Allow 10 to 15 business days for postal delivery and processing.

For the fastest response, Tocancel recommends using the in-app chat or email method, which creates an instant digital record of your request. Always request written confirmation of your cancellation via email, and save every response.